Excellent
Based on 153 reviews
HomeLife Mortgage5.0Honesty, pricing, process and quality scores appear once 5 customers have rated them.
If you are self-employed or investing in rental properties, HomeLife Mortgage was built for your situation. Traditional mortgage programs require tax returns and W-2s — and they were never designed for the way you earn. HomeLife specializes in Non-QM lending: mortgage programs that qualify borrowers based on real income, real cash flow, and real property performance. Non-QM specialists since 1990. Over $4 billion funded.Darrin Seppinni, President of HomeLife Mortgage, has been in the mortgage industry since 1982 — over four decades. He is an author, has been quoted as a Non-QM mortgage expert by CBS News, and contributes to Housing Wire.Programs for Self-Employed Borrowers — California, Florida, and Texas:Bank Statement Loans — qualify using 12 to 24 months of personal or business bank deposits instead of tax returns. No W-2s. No pay stubs.Jumbo Bank Statement Loans — larger loan amounts for self-employed borrowers with strong deposits and complex income.Bank Statement Second Mortgage — access a fixed lump sum of equity without refinancing your existing first mortgage.Bank Statement HELOC — access equity through a flexible revolving line of credit while keeping your current first mortgage in place.Programs for Real Estate Investors — Nationwide:DSCR Loans — rental property financing based on the property's cash flow instead of personal income or tax returns.No-Ratio DSCR Loans — also called No DSCR Loans — investor financing when the property has no rent, no lease, or does not meet standard DSCR requirements today.Soft credit pull upfront. Pre-approvals in as little as 48 hours. No obligation.homelifemtg.com | 888-677-2526
HomeLife Mortgage (homelifemtg.com) has 153 customer reviews on Folks Told, with an average rating of 5.0 out of 5.
153 approved reviews, newest moderated first
Dayna T.
My reps, Jayne, Darrin, and Sherrie, were all fantastic. They answered the phone every time I called and were always so willing to explain anything to me. There were no hiccups or issues with my loan or closing. Everything was smooth and on time. They are a great team, and I can tell that they take pride in providing excellent service.
Bertha A.
Jayne Seppinni Sr. Loan Officer was amazing! Very professional and meet all my needs and exceeded my expectations. I will definitely be using HomeLife mortgage in the future.
Reygil
I had a great experience with HomeLife mortgage. Jayne works hard to ensure you close. She has great communication and is always helpful. I’m glad I trusted her with my refinance needs.
Olga and Jose G.
Great customer service and rapid response to any of our questions and concerns.
Joe Diaz J.
Darrin and Jayne Seppinni were extremely responsive and helpful. They helped me get out of a bad loan I had on a property. They worked me on refinancing the building. There was not a time I ever felt blown off or that they were not available to help me. I am now hoping they can continue to work with me on purchasing another property.
Ken W.
Jayne, Darrin and Sherrie were great throughout the process keeping me informed and working through various hiccups along the way that were unique to my situation. They were honest and up front about all the details from the start and had very competitive rates, as good as or better than the many other lenders I talked to for my bank statement loan.
Bob S.
We have a beachfront investment property in Florida which we purchased utilizing a 24-month bridge loan to move quickly on the purchase. After significant upgrades and improvements, we were desirous of putting in place a long-term mortgage at market rates and terms. I reached out to Home Life Mortgage and spoke to Darrin Seppinni. After several discussions of the property and its income producing capability, Darrin suggested a No Doc DSCR loan. We are extremely pleased and satisfied with the rate and term of the facility he was able to secure for us. As the property appraised well, it lacked seasoning and income production history, however Home Life secured several exceptions with the chosen lender which allowed this transaction to fund efficiently and on time. I cannot say enough good things about Team Home Life! Darrin, Jayne, and Sherrie have been fantastic to work with. I will, and already have, recommended working with them to friends and family, and also two that are very much involved with investment properties.
Cameron G.
Darrin and Jayne with HomeLife Mortgage made the process of getting financing so much better. It really meant a lot to know I had them in my corner fighting for my loan approval the whole way. They were always on top of everything keeping me well informed along the way. As a real estate investor I have dealt with a lot of lenders over the years and working with Darrin and Jayne has by far been one of the best lending experiences I have had by far. If you are looking for a team that actually cares about you meeting your goals then reach out to HomeLife Mortgage and work with these two. I promise you won’t regret it!
